Bank of America 2014 Annual Report Download - page 123

Bank of America 2014 121
Table VI Accruing Loans and Leases Past Due 90 Days or More (1)
December 31
(Dollars in millions) 2014 2013 2012 2011 2010
Consumer
Residential mortgage (2) $ 11,407 $ 16,961 $ 22,157 $ 21,164 $ 16,768
U.S. credit card 866 1,053 1,437 2,070 3,320
Non-U.S. credit card 95 131 212 342 599
Direct/Indirect consumer 64 408 545 746 1,058
Other consumer 12222
Total consumer 12,433 18,555 24,353 24,324 21,747
Commercial
U.S. commercial 110 47 65 75 236
Commercial real estate 321 29 7 47
Commercial lease financing 41 41 15 14 18
Non-U.S. commercial —17 — — 6
154 126 109 96 307
U.S. small business commercial 67 78 120 216 325
Total commercial 221 204 229 312 632
Total accruing loans and leases past due 90 days or more (3) $ 12,654 $ 18,759 $ 24,582 $ 24,636 $ 22,379
(1) Our policy is to classify consumer real estate-secured loans as nonperforming at 90 days past due, except the PCI loan portfolio, the fully-insured loan portfolio and loans accounted for under the
fair value option as referenced in footnote 3.
(2) Balances are fully-insured loans.
(3) Balances exclude loans accounted for under the fair value option. At December 31, 2014 and 2013, $5 million and $8 million of loans accounted for under the fair value option were past due 90
days or more and still accruing interest. At December 31, 2012, 2011 and 2010, there were no loans accounted for under the fair value option that were past due 90 days or more and still accruing
interest.